Louisiana Open Enrollment 2027: Dates, Insurers and Rate Changes

By Michael Sprague, Licensed Health Insurance Agent · Reviewed by Heather Sprague, Licensed Health Insurance Agent

Louisiana open enrollment runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15 if you want coverage to start January 1. Six insurers will sell Marketplace plans in Louisiana for 2027. Approved rates are up about 18.1% on average before subsidies.

This guide covers the key dates, which insurers are selling plans in Louisiana for 2027, how much rates are changing and how to keep your costs down. For free help comparing plans, call a licensed Vivna agent at 888-730-6031.

Key Dates for Louisiana Open Enrollment

Date	What happens
November 1, 2026	Open enrollment starts on HealthCare.gov
December 15, 2026	Last day to enroll for coverage starting January 1, 2027
January 15, 2027	Open enrollment ends. Plans picked by this date start February 1
After January 15	You need a qualifying life event for a special enrollment period

If you have a plan now and do nothing, HealthCare.gov may automatically renew you into the same or a similar plan. Auto-renewal can cost you money when rates and subsidies change, so compare before December 15.

Which Insurers Sell Plans in Louisiana for 2027?

Six insurers will offer Louisiana Marketplace plans for 2027. Here are approved average rate changes for the ones that published them, before subsidies:

Insurer	2027 status	Approved average rate change
Ambetter from Louisiana Healthcare Connections	Returning	24.5%
UnitedHealthcare	Returning	21.1%
AmeriHealth Caritas	Returning	10.5%
Louisiana Blue (HMO Louisiana)	Returning	See your plan notice

Plan choices vary by county. Enter your ZIP code on HealthCare.gov, or call 888-730-6031, to see which insurers serve your area.

How Much Are Rates Going Up in Louisiana?

Louisiana regulators approved an average increase of about 18.1% for 2027, before subsidies. That follows an average increase of 23.7% in 2026, so many Louisiana households are seeing a second straight year of double-digit increases.

If you receive a premium tax credit, your actual change depends on how your subsidy changes. If you are with Ambetter or UnitedHealthcare, your full-price premium is rising more than 20%, so compare before you renew.

How Subsidies Work in Louisiana for 2027

The enhanced federal subsidies that were in place from 2021 through 2025 expired. For 2027, premium tax credits are available to households with income from 100% to 400% of the federal poverty level that do not have access to affordable employer coverage. Above 400%, there is no subsidy.

Your subsidy is tied to the cost of the second-lowest-cost silver plan in your area. When that benchmark plan goes up, your subsidy usually goes up too. That is why some people see little change in what they pay, while people who earn too much for a subsidy pay the full increase.

If your income is near the 400% line, small changes can make a big difference. See our guide to the ACA subsidy cliff.

Medicaid in Louisiana

Louisiana expanded Medicaid in 2016. Adults with income up to 138% of the federal poverty level can generally qualify. Under recent federal law, many expansion adults will need to meet work or community engagement requirements starting in 2027, so check your eligibility.

See our Louisiana health insurance page.

How to Enroll in Louisiana

• Gather your information: household members, Social Security numbers, income estimate for 2027 and current coverage details.
• Estimate your 2027 income carefully. Your subsidy is based on it, and you reconcile it at tax time.
• Compare plans: look at premiums, deductibles, out-of-pocket maximums, networks and drug lists, not just the monthly price.
• Check your doctors and prescriptions in each plan's network and formulary.
• Enroll on HealthCare.gov or with a licensed agent at no extra cost.
• Pay your first premium to start coverage.

Ways to Lower Your Costs in Louisiana

• Compare bronze, silver and gold plans. If your income is under 250% of the poverty level, a silver plan may give you cost-sharing reductions.
• Consider an HSA-eligible bronze plan if you are healthy and want a tax-free savings account.
• Add hospital indemnity or accident insurance to a lower-premium plan to cover big bills.
• Use our open enrollment checklist so you do not miss a step.

Missed Open Enrollment in Louisiana?

After January 15, you can only enroll in a Marketplace plan if you have a qualifying life event, such as losing other coverage, moving, getting married or having a baby. If you do not qualify, a Louisiana short-term health insurance plan may bridge the gap until next year. See how to buy health insurance after open enrollment.

Louisiana Open Enrollment: FAQ

When is open enrollment in Louisiana for 2027?

November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1.

How many insurers sell Marketplace plans in Louisiana for 2027?

Six, including AmeriHealth Caritas, Ambetter, Louisiana Blue and UnitedHealthcare.

Are Louisiana health insurance premiums going up in 2027?

Yes. The approved average increase is about 18.1% before subsidies.

Can I get a subsidy in Louisiana?

Yes, if your household income is between 100% and 400% of the federal poverty level and you do not have affordable employer coverage.

What if I miss the deadline?

You need a qualifying life event for a special enrollment period. Otherwise, you wait until the next open enrollment.

Next Steps for Louisiana open enrollment

Review your 2027 options before December 15, especially if your insurer is leaving or your rate is going up. Compare plans in your ZIP code and update your income estimate. See our national guide to open enrollment deadlines by state and our Louisiana health insurance page.

Want a licensed agent to help? Call 888-730-6031, Monday through Friday, 9 a.m. to 6 p.m. Eastern, or request a free quote.

Sources

1. healthinsurance.org: Louisiana health insurance Marketplace
2. ACA Signups: 2027 rate changes, Louisiana
3. KFF: How much and why ACA Marketplace premiums are going up in 2027
4. HealthCare.gov

Related Guides

• Open enrollment deadlines by state
• Open enrollment checklist
• ACA subsidy cliff
• Louisiana health insurance

Vivna Insurance is a licensed independent agency, not a government website. Our help is free; we are paid by the insurance companies we work with. Coverage options, deadlines and costs vary by plan and state.